hi i will have my fixed term finished with ptsb in a few weeks.i got a letter today with my new options.very dissapointed with my new rates.because im a existing customer i got offered a tracker.it was 4.25.they add 2.25 on the ecb rate.i have to check my documents to see my origional offer.this seems very high.because house prices have dropped the last 2 years will i be able to switch bank.they all have better rates.my house is worth about 30 grand less that i paid for it.im going to ring ptsb tomorrow and see can i get a better rate.any help would be grateful.